NORTHERN STATE BANK OF THIEF RIVER FALLS
NORTHERN STATE BANK OF THIEF RIVER FALLS is an FDIC-insured commercial bank headquartered in THIEF RIVER FALLS, MN, established in 1935. As of , the bank reported total assets of $494M and total deposits of $445M. Profitability stands at 1.10% ROA and 10.60% ROE, with a net interest margin of 2.62%. CET1 capital ratio: 23.36%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.20%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Northern State Bank of Thief River Falls rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 23.36% | 1.10% | 0.05% | 0.20% | 2.62% |
| 2025-09-30 | 25.99% | 0.99% | 0.06% | 0.24% | 2.76% |
| 2025-06-30 | 25.18% | 0.78% | 0.09% | 0.36% | 2.72% |
| 2025-03-31 | 25.31% | 0.92% | 0.09% | 0.35% | 2.64% |
| 2024-12-31 | 24.83% | 1.50% | 0.01% | 0.06% | 3.02% |
| 2024-09-30 | 25.44% | 1.43% | 0.02% | 0.06% | 3.03% |
| 2024-06-30 | 25.46% | 1.65% | 0.02% | 0.06% | 3.35% |
| 2024-03-31 | 24.36% | 0.76% | 0.02% | 0.07% | 2.42% |
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Frequently asked about NORTHERN STATE BANK OF THIEF RIVER FALLS
What are Northern State Bank of Thief River Falls's total assets?
As of the Q4 2025 filing, Northern State Bank of Thief River Falls reported total assets of $494.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Northern State Bank of Thief River Falls headquartered?
Northern State Bank of Thief River Falls is headquartered in THIEF RIVER FALLS, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Northern State Bank of Thief River Falls founded?
Northern State Bank of Thief River Falls was established in 1935, per the FDIC institution directory.
Is Northern State Bank of Thief River Falls FDIC-insured?
Yes. Northern State Bank of Thief River Falls is an FDIC-insured commercial bank (FDIC Certificate #15286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northern State Bank of Thief River Falls?
Northern State Bank of Thief River Falls's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Northern State Bank of Thief River Falls's CET1 capital ratio?
Northern State Bank of Thief River Falls reported a Common Equity Tier 1 (CET1) capital ratio of 23.36% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Northern State Bank of Thief River Falls operate?
Northern State Bank of Thief River Falls operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Northern State Bank of Thief River Falls's Texas Ratio?
Northern State Bank of Thief River Falls's Texas Ratio is 0.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.